So got the emal offer earlier today. Wondering how solid and if anyone else has gotten before.
I have banking relations with Citibank for about 15 years, savings and checking, direct deposit of payroll. One credit card with them since Nov 2015, the Citi Diamond Preferred Card, came with a SL of $13.5 and been there ever since, do use it, but never more than $2K and sits at $1,200 balance right now.
Looked up in "another site" that tracks credit card reports and who they pull and looks like for this card, mostly TU and EX, with small instances of EQ. Not that it matters all that much as recently had about 5-7 inq's fall off each one in late Dec 2016/early Jan 2017 across all three, so tracking under 10 across each one. Scores hovering above 770 with one above 800 (TU). No baddies. Income (mine alone) above $300K. Total lines of credit are around probably
Just looking at the SL's on that "other" site is what concerns me, they don't seem all that high for this card. Last few cards I got last year, Chase RC and Chase United were $34K and $27K, so really not looking for something small under $20K. Anyone know first hand if Citi gives $20K+ on this type of card? Who they pull? I am in Virginia for location reference. Looked here as welll over the last 18 months and change and don't see anything like that, in fact, I see smaller SL's which doesn't interest me a whole lot.
The other reason as well, is that I got a an actual letter in the mail with an offer of 60K miles on American Airlines for their Citi AAdvantage Plat Select MC, with the $95 AF waived the first year. Seems like that would be the card that would most likely give the higher SL.
Seems they are both pre-quals and not pre-approvals, yes? And as far as I can tell, the Simplicity card is not a rewards card or a cash back card or points, looks like a BT card really, which is not something I do. Correct me if I am wrong though.
Thoughts anyone? TIA!
